The discussions and content in this book is for informational purposes only. You should not construe any such information as legal, tax, investment, financial, or other advice. Nothing contained in this book constitutes a solicitation, recommendation, endorsement, or offer by its authors or publishers to buy or sell any particular investments, securities, or assets.

All discussion and content in this book is information of a general nature based on the author's current views, and does not address the circumstances of any particular individual or entity or their investment portfolio. Nothing in this book constitutes professional or financial advice, nor does any information in this book constitute a comprehensive or complete statement of the matters discussed. The author is not your fiduciary and you are not an investment advisory client of the author. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information in this book before making any decisions based on such information. You should consult with your personal investment advisers before making any investment decisions.